Use of palladium in IC manufacturing with conductive polymer bump

ABSTRACT

An apparatus and a method for forming a substrate having a palladium metal layer over at least one contact point of the substrate and having a flexible conductive polymer bump, preferably a two-stage epoxy, on the palladium plated contact point. The present invention also relates to assemblies comprising one or more of these substrates.

CROSS-REFERENCE TO RELATED APPLICATIONS

This application is a divisional of application Ser. No. 10/430,616, filed May 5, 2003, pending, which is a continuation of application Ser. No. 10/116,962, filed Apr. 5, 2002, now U.S. Pat. No. 6,558,979, issued May 6, 2003, which is a continuation of application Ser. No. 09/645,947, filed Aug. 25, 2000, now U.S. Pat. No. 6,413,862, issued Jul. 2, 2002, which is a continuation of application Ser. No. 09/227,072, filed Jan. 5, 1999, now U.S. Pat. No. 6,159,769, issued Dec. 12, 2000, which is a divisional of application Ser. No. 08/651,816, filed May 21, 1996, now U.S. Pat. No. 5,925,930, issued Jul. 20, 1999.

BACKGROUND OF THE INVENTION

1. Field of the Invention

The present invention relates to an apparatus and a method for forming a conductive polymer bump on a substrate, such as a flip-chip type semiconductor die, a silicon wafer, a printed circuit board, or other substrate (hereinafter referred to generally as a “substrate”). More particularly, the present invention relates to forming a substrate having a palladium metal layer over each contact point of the substrate and forming a flexible conductive polymer bump on each contact point. The present invention also relates to assemblies and methods of connecting one or more of these substrates together or to another substrate.

2. State of the Art

A flip chip is a semiconductor chip or die that has bumped terminations spaced around an active surface of the die and is intended for face-to-face attachment to a substrate or another semiconductor die. The bumped terminations of the flip chips are usually a “Ball Grid Array” (“BGA”) configuration wherein an array of minute solder balls is disposed on an attachment surface of a semiconductor die, or a “Slightly Larger than Integrated Circuit Carrier” (“SLICC”) configuration wherein an array of minute solder balls is disposed on an attachment surface of a semiconductor die similar to a BGA, but having a smaller solder ball pitch and diameter than a BGA.

The attachment of a flip chip to a substrate or another semiconductor involves aligning the solder balls on the flip chip with a plurality of contact points (configured to be a mirror image of the solder ball arrangement on the flip chip) on the facing surface of the substrate. A plurality of solder balls may also be formed on the facing surface of the substrate at the contact points. A quantity of liquid flux is often applied to the face of the chip and/or substrate, and the chip and substrate are subjected to elevated temperatures to effect reflowing or soldering of the solder balls on the chip and/or corresponding solder balls on the substrate. This connection technology is also referred to as “flip chip attachment” or “C4—Controlled Collapse Chip Connection.”

High performance microelectronic devices generally comprise a number of flip chips attached to a substrate or printed circuit board (“PCB”) for electrical interconnection to other microelectronic devices. For example, a very large scale integration (“VLSI”) chip may be electrically connected to a substrate, printed circuit board, or other next level packaging substrate.

Flip chip attachment requires the formation of contact terminals on flip chip contact sites, each consisting of a metal pad with a solder ball disposed thereon. Flip chip attachment also requires the formation of solder joinable sites (“bond pads”) on the metal conductors of the substrate or PCB which are a mirror-image of the solder ball arrangement on the flip chip. The bond pads on the substrate are usually surrounded by non-solderable barriers so that when the solder of the bond pads and of the chip contact sites melts and merges (“reflow”), the surface tension holds the semiconductor chip by solder columns, as if suspended above the substrate. After cooling, the chip is essentially welded face-down by these very small, closely spaced solder column interconnections.

It is also known in the art that conductive polymers or resins can be utilized in lieu of solder balls. U.S. Pat. No. 5,258,577 issued Nov. 2, 1993 to Clements relates to a substrate and a semiconductor die with a discontinuous passivation layer. The discontinuities result in vias between the contact points of the substrate and the semiconductor die. A resin with spaced conductive metal particles suspended therein is disposed within the vias to achieve electrical contact between the substrate and the semiconductor die. U.S. Pat. No. 5,468,681 issued Nov. 21, 1995 to Pasch relates to interconnecting conductive substrates using an interposer having conductive plastic filled vias. U.S. Pat. No. 5,478,007 issued Dec. 26, 1995 to Marrs relates to using conductive epoxy as a bond pad structure on a substrate for receiving a coined ball bond on a die to achieve electrical communication between the die and the substrate.

Such flip chip and substrate attachments (collectively “electronic packages”) are generally comprised of dissimilar materials that expand at different rates on heating. The most severe stress is due to the inherently large thermal coefficient of expansion (“TCE”) mismatch between the plastic and the metal. These electronic packages are subject to two types of heat exposures: process cycles, which are often high in temperature but few in number; and operation cycles, which are numerous but less extreme. If either the flip chip(s) or substrate(s) are unable to repeatedly bear their share of the system thermal mismatch, the electronic package will fracture, which destroys the functionality of the electronic package.

As an electronic package dissipates heat to its surroundings during operation, or as the ambient system temperature changes, differential thermal expansions cause stresses to be generated in the interconnection structures (e.g., solder ball bonds) between the semiconductor die and the substrate. These stresses produce instantaneous elastic and, most often, plastic strain, as well as time-dependent (plastic and anelastic) strains in the joint, especially within its weakest segment. Thus, the TCE mismatch between chip and substrate will cause a shear displacement to be applied on each terminal which can fracture the solder connection.

The problem with TCE mismatch becomes evident during the process of burn-in. Burn-in is the process of electrically stressing a device, usually at an elevated temperature and voltage environment, for an adequate period of time to cause failure of marginal devices. When a chip, such as a flip chip, breaks free from the substrate due to TCE mismatch, defective bonds, or the like, the chip must be reattached and the burn-in process reinitiated. This requires considerable time and effort which results in increased production costs. Alternately, if the chip has been underfilled and subsequently breaks free during burn-in, the chip is not reworkable and must be discarded.

The problems with TCE mismatch are also applicable to connections made with conductive polymers or resins, because after curing the polymers or resins become substantially rigid. The rigid connections are equally susceptible to breakage due to TCE mismatch.

FIGS. 1 a-1 e show a contemporary, prior art method of forming a conductive bump arrangement on a substrate. First, as shown in FIG. 1 a, a passivation film 102, such as at least one layer of SiO₂ film, Si₃N₄ film, or the like, is formed over a face surface 104 of a semiconductor wafer 100 which has a conductive electrode 106, usually an aluminum electrode. The passivation film 102 is selectively etched to expose the conductive electrode 106. FIG. 1 b shows a metal layer 108 applied over a face surface 110 of the passivation film 102 by deposition or sputtering. A second layer of etch resist film 112 is applied to a face surface 114 of the metal layer 108. The second etch resist film 112 is masked, exposed, and stripped to expose a portion of the metal layer 108 corresponding to the conductive electrode 106, as shown in FIG. 1 c. A solder bump 116 (generally an alloy of lead and tin) is then formed on the exposed portion of the metal layer 108, as shown in FIG. 1 d, by any known industry technique, such as stenciling, screen printing, electroplating, electrolysis, or the like. The second etch resist film 112 is removed and the metal layer 108 is removed using the solder bump 116 as a mask to form the structure shown in FIG. 1 e. This conventional bump formation method has drawbacks. The most obvious being the large number of process steps required which results in high manufacturing costs.

U.S. Pat. No. 4,970,571 issued Nov. 13, 1990 to Yamakawa et al. (the '571 patent) relates to a bump formation method which addresses the problems associated with conventional processing methods by using electroless plating of palladium on the conductive electrodes. Electroless plating is a metal deposition process, usually in an aqueous medium, occurring through an exchange reaction between metal complexes in solution and the particular metal to be coated which does not require externally applied electric current. The process of electroless plating of palladium generally comprises dipping the semiconductor element with the exposed conductive electrodes into a palladium solution wherein the palladium selectively bonds or plates on the conductive electrodes. The electroless plating process is a non-vacuum, high volume, high throughput process which can be precisely controlled and uses reliable equipment. The entire fabrication can be performed in a less costly cleanroom environment which reduces processing time and cost. The '571 patent teaches forming an electroless palladium plated conductive electrode followed by the formation of a metal bump on the palladium plated conductive electrode.

The benefits of using palladium in integrated circuits are discussed in U.S. Pat. No. 4,182,781 issued Jan. 8, 1980, to Hooper et al. (the '781 patent). The '781 patent teaches that palladium forms a unique barrier metal in bump metallization systems which increases yield and reliability of integrated circuit devices designed for flip-chip attachment. It is also disclosed that palladium is compatible with aluminum and has a thermal coefficient of expansion that is sufficiently close to aluminum so that no significant stress problems result. However, the '781 patent does not teach using an electroless plating process to coat the conductive electrode with palladium. However, electroless plating is used to form the copper or nickel bump on the palladium coated conductive electrode.

It would be advantageous to develop a more efficient technique for forming conductive bumps on a flip chip which eliminates some of the steps required by present industry standard techniques while also abating the effects of TCE mismatch using commercially-available, widely-practiced semiconductor device fabrication techniques.

BRIEF SUMMARY OF THE INVENTION

The present invention relates to an apparatus and a method for forming a substrate having a palladium metal layer over at least one contact point of the substrate and having a flexible conductive polymer bump, preferably a two-stage epoxy, on the palladium plated contact point. The apparatus and method of the present invention abate the effects of TCE mismatch and reduce the number of steps required to produce substrates. The present invention also relates to assemblies comprising one or more of these substrates.

A preferred method for constructing the apparatus of the present invention comprises providing a substrate, for example a semiconductor wafer, which has at least one conductive electrode, a semiconductor chip which has at least one bond pad, or a printed circuit board. A passivation film such as at least one layer of SiO₂ film, Si₃N₄ film, or the like is formed over a face surface of the substrate. The passivation film is selectively etched to expose each conductive electrode or bond pad. The substrate is then submersed in an electroless plating bath containing palladium in solution. The palladium, through an exchange reaction with the exposed conductive electrodes, bonds to an upper surface of the conductive electrode or bond pad thereby plating the conductive electrode or bond pad with a layer of palladium.

It is, of course, understood that the passivation layer may not be necessary when the material surrounding the conductive electrode or bond pad is inert or is not otherwise susceptible to being plated during the electroless plating process.

A conductive polymer is preferably applied to an upper surface of the palladium layers to form a conductive polymer bump. The conductive polymer bump is preferably a two-stage epoxy which does not completely set, typically referred to as a “B-stage” type epoxy. For example, a preferred two-stage epoxy such as RSC 3927-W/-B stage conductor, available from IMR Corporation, Nampa, Id., can be used. The conductive polymer used to form the conductive bump usually has a high electrical conductivity metal, such as palladium, gold, silver, or the like, dispersed therein to impart electrical conductivity to the polymer.

The conductive polymer bump can be formed by any number of known industry standard techniques; however, the preferred method comprises stencil printing the conductive polymer onto the conductive electrode. The stencil printing process can be performed in one step or in multiple printing steps wherein a plurality of layers of conductive polymer are applied in succession. The stencil printing method for forming the conductive polymer bumps of the present invention is advantageous over presently known fabrication methods, since it is a simpler process (having fewer processing steps) and is less expensive.

A semiconductor assembly may be fabricated by attaching substrates together in a face-to-face flip chip arrangement. The substrates are mechanically attached to and in electrical communication with one another via the plurality of conductive polymer bumps formed on the palladium metal layers of the first substrate, the palladium metal layers of the second substrate, or both. An under-fill encapsulant may be disposed between the first substrate and the second substrate for environmental protection and to enhance the attachment of the first substrate and the second substrate.

The use of a two-step curing epoxy virtually eliminates the problems associated with TCE mismatch. Since the two-step curing epoxy never completely sets to form a rigid matrix, the connections will have an amount of “give” or “flex” during the thermal expansion and contraction of the substrates, while still making a reliable substrate-to-substrate electrical connection. This, in turn, reduces the failure rate of semiconductor assemblies during burn-in and during general use.

BRIEF DESCRIPTION OF THE SEVERAL VIEWS OF THE DRAWINGS

While the specification concludes with claims particularly pointing out and distinctly claiming that which is regarded as the present invention, the advantages of this invention can be more readily ascertained from the following description of the invention when read in conjunction with the accompanying drawings in which:

FIGS. 1 a-1 e illustrate side cross-sectional views of a prior art method of forming a conductive bump on a substrate;

FIGS. 2 a-2 c illustrate side cross-sectional views of the steps of a method of forming a conductive polymer bump on a substrate of the present invention;

FIGS. 3 a-3 c illustrate side cross-sectional views of the steps of a method of forming a conductive polymer bump on a semiconductor die of the present invention;

FIG. 4 is a side cross-sectional view of a substrate assembly of the present invention;

FIG. 5 is a side cross-sectional view of a first embodiment of a substrate/chip assembly of the present invention; and

FIG. 6 is a side cross-sectional view of a second embodiment of a substrate/chip assembly of the present invention.

DETAILED DESCRIPTION OF THE INVENTION

FIGS. 2 a-2 c illustrate a method of forming a conductive polymer bump on a substrate, such as a silicon wafer, a printed circuit board, or the like, of the present invention. FIG. 2 a illustrates an exposed electrode substrate assembly 200 comprising a substrate 202 which has at least one conductive electrode 204, usually aluminum electrodes, disposed thereon. A passivation film 208 may be formed over a face surface 206 of the substrate 202. The passivation film 208 is selectively etched to expose the conductive electrode 204.

The exposed electrode substrate assembly 200 is immersed in an electroless plating bath containing palladium in solution, whereby through an exchange reaction the exposed conductive electrodes 204 are selectively plated with a palladium layer 210 atop an upper surface 212 of the conductive electrode 204, as shown in FIG. 2 b. As shown in FIG. 2 c, a conductive polymer is applied to an upper surface 214 of the palladium layer 210 to form a conductive polymer bump 216. The conductive polymer bump 216 preferably comprises a two-stage epoxy which does not completely set. The conductive polymer used to form the conductive polymer bump 216 preferably has a high electrical conductivity metal, such as palladium, gold, silver, or the like, dispersed therein. The conductive polymer bump 216 is preferably formed by stencil printing or stenciling the conductive polymer onto the conductive electrode 204.

It is, of course, understood that the passivation film 208 may be stripped from the substrate 202.

FIGS. 3 a-3 c illustrate a method of forming a conductive polymer bump on a printed circuit board of the present invention. FIG. 3 a illustrates an exposed bond pad chip assembly 300 comprising a printed circuit board 302 which has at least one bond pad 304, usually copper pads, disposed thereon. The bond pad 304 has a lead 306 (shown in shadow) within the printed circuit board 302 attached to a lower surface 308 of the bond pad 304. Optionally, a passivation film 310 such as at least one layer of resist polyimide film, or the like, is formed over a face surface 312 of the printed circuit board 302. The passivation film 310 is selectively etched to expose the bond pad 304.

The exposed bond pad chip assembly 300 is immersed in an electroless plating bath containing palladium in solution, whereby through an exchange reaction the exposed bond pads 304 are selectively plated with a palladium layer 314 atop an upper surface 316 of the bond pad 304, as shown in FIG. 3 b. As shown in FIG. 3 c, a conductive polymer is applied to an upper surface 318 of the palladium layer 314 to form a conductive polymer bump 320. The conductive polymer bump 320 preferably comprises a two-stage epoxy which does not completely set. The conductive polymer used to form the conductive polymer bump 320 preferably has a metal, such as palladium, gold, silver, or the like, dispersed therein. The conductive polymer bump 320 can be formed in a manner discussed for the conductive polymer bump 216 of FIG. 2.

It is, of course, understood that the passivation film 310 may be stripped from the printed circuit board 302.

FIG. 4 illustrates a substrate assembly 400 of the present invention. The substrate assembly 400 comprises a first substrate 402 with a plurality of conductive electrodes 404 disposed on a facing surface 406 of the first substrate 402. A palladium metal layer 408 is disposed on each conductive electrode 404 by electroless plating. The substrate assembly 400 further comprises a second substrate 410 with a plurality of conductive electrodes 412 disposed on a facing surface 414 of the second substrate 410. A palladium metal layer 416 is also disposed on each conductive electrode 412. The first substrate 402 and the second substrate 410 are mechanically attached to and in electrical communication with one another via a plurality of conductive polymer bumps 418 extending between the first substrate palladium metal layers 408 and the second substrate palladium metal layers 416. An under-fill encapsulant 420 may be disposed between the first substrate 402 and the second substrate 410 for environmental protection and to enhance the attachment of the first substrate 402 and the second substrate 410.

FIG. 5 illustrates a first embodiment of a substrate/chip assembly 500 of the present invention. The substrate/chip assembly 500 comprises a substrate 502 with a plurality of conductive electrodes 504 disposed on a facing surface 506 of the substrate 502. A palladium metal layer 508 is disposed on each conductive electrode 504 by electroless plating. The substrate/chip assembly 500 further comprises a semiconductor chip 510 with a plurality of bond pads 512 disposed on a facing surface 514 of the semiconductor chip 510. A palladium metal layer 516 is also disposed on each bond pad 512. The substrate 502 and the semiconductor chip 510 are mechanically attached to and in electrical communication with one another via a plurality of conductive polymer bumps 518 extending between the substrate palladium metal layers 508 and the semiconductor die palladium metal layers 516. An under-fill encapsulant 520 may be disposed between the substrate 502 and the semiconductor die 510 for environmental protection and to enhance the attachment of the substrate 502 and the semiconductor chip 510.

FIG. 6 illustrates a second embodiment of a substrate/chip assembly 600 of the present invention. The substrate/chip assembly 600 comprises a substrate 602 with a plurality of conductive electrodes 604 disposed on a facing surface 606 of the substrate 602. The conductive electrodes 604 may comprise any suitable type metal electrode, such as aluminum. The substrate/chip assembly 600 further comprises a semiconductor chip 610 with a plurality of bond pads 612 disposed on a facing surface 614 of the semiconductor chip 610. A palladium metal layer 616 is also disposed on each bond pad 612. The substrate 602 and the semiconductor chip 610 are mechanically attached to and in electrical communication with one another via a plurality of conductive polymer bumps 618 extending between the substrate conductive electrodes 604 and the semiconductor die palladium metal layers 616. The conductive material in the conductive polymer bumps 618 is capable of making electrical contact with the conductive electrodes 604 and penetrating any coating thereon whether an oxide coating or a passivation layer coating. An under-fill encapsulant 620 may be disposed between the substrate 602 and the semiconductor die 610 for environmental protection and to enhance the attachment of the substrate 602 and the semiconductor chip 610.

It is, of course, understood that, although the assemblies shown in FIGS. 4, 5 and 6 show substrates and/or semiconductor chips which use the palladium layered structures of the present invention, one of the substrates and/or semiconductor chips could be one of industry standard manufacture.

Having thus described in detail preferred embodiments of the present invention, it is to be understood that the invention defined by the appended claims is not to be limited by particular details set forth in the above description as many apparent variations thereof are possible without departing from the spirit or scope thereof. 

1. A method for forming a semiconductor assembly having a plurality of substrates, each substrate having at least one conductive electrode, comprising: applying a layer of palladium on a portion of the at least one conductive electrode of one substrate of the plurality of substrates; and disposing a two-stage conductive polymer bump between a portion of the at least one conductive electrode having the layer of palladium thereon of the one substrate of the plurality of substrates and a portion of the at least one conductive electrode of another substrate of the plurality of substrates for forming an electrical contact therebetween.
 2. The method of claim 1, wherein disposing a two-stage conductive polymer bump comprises disposing a two-stage conductive polymer bump including palladium therein on a portion of the layer of palladium.
 3. The method of claim 1, further comprising: applying a passivation layer over a portion of a surface of the one substrate of the plurality of substrates having the at least one conductive electrode.
 4. The method of claim 3, further comprising: etching a portion of the passivation layer to expose a portion of the at least one conductive electrode.
 5. The method of claim 1, wherein disposing a two-stage conductive polymer bump comprises disposing a two-stage epoxy bump on a portion of layer of palladium.
 6. The method of claim 1, wherein applying the layer of palladium on a portion of the at least one conductive electrode of the one substrate comprises: immersing the one substrate of the plurality of substrates in an electroless plating solution containing palladium dispersed therein.
 7. The method of claim 1, wherein disposing a two-stage conductive polymer bump comprises applying a layer of a polymer with a silk screen to form the two-stage conductive polymer bump.
 8. The method of claim 1, wherein disposing a two-stage conductive polymer bump comprises applying multiple layers of a polymer with a silk screen to form the two-stage conductive polymer bump.
 9. The method of claim 1, wherein the one substrate of the plurality of substrates comprises a silicon wafer.
 10. The method of claim 1, wherein the one substrate of the plurality of substrates comprises a printed circuit board.
 11. The method of claim 1, wherein the one substrate of the plurality of substrates comprises a semiconductor die having the at least one conductive electrode comprising at least one bond pad.
 12. A method for forming a bump on a substrate for a semiconductor assembly having a plurality of substrates, each substrate having at least one conductive electrode, comprising: applying a layer of palladium on a portion of the at least one conductive electrode of one substrate of the plurality of substrates; and disposing a two-stage conductive polymer bump between a portion of the at least one conductive electrode having the layer of palladium thereon of the one substrate of the plurality of substrates and a portion of the at least one conductive electrode of another substrate of the plurality of substrates for forming an electrical contact therebetween.
 13. The method of claim 12, wherein disposing a two-stage conductive polymer bump comprises disposing a two-stage conductive polymer bump including palladium therein on a portion of the layer of palladium.
 14. The method of claim 12, further comprising: applying a passivation layer over a portion of a surface of the one substrate of the plurality of substrates having the at least one conductive electrode.
 15. The method of claim 14, further comprising: etching a portion of the passivation layer to expose a portion of the at least one conductive electrode.
 16. The method of claim 12, wherein disposing a two-stage conductive polymer bump comprises disposing a two-stage epoxy bump on a portion of the layer of palladium.
 17. The method of claim 12, wherein applying the layer of palladium on a portion of the at least one conductive electrode of the one substrate comprises: immersing the one substrate of the plurality of substrates in an electroless plating solution containing palladium dispersed therein.
 18. The method of claim 12, wherein disposing a two-stage conductive polymer bump comprises applying a layer of a polymer with a silk screen to form the two-stage conductive polymer bump.
 19. The method of claim 12, wherein disposing a two-stage conductive polymer bump comprises applying multiple layers of a polymer with a silk screen to form the two-stage conductive polymer bump.
 20. The method of claim 12, wherein the one substrate of the plurality of substrates comprises a silicon wafer.
 21. The method of claim 12, wherein the one substrate of the plurality of substrates comprises a printed circuit board.
 22. The method of claim 12, wherein the one substrate of the plurality of substrates comprises a semiconductor die having the at least one conductive electrode comprising at least one bond pad.
 23. A method for forming a bump on a bond pad of a semiconductor assembly having a plurality of substrates, each substrate having at least one conductive electrode having a bond pad, comprising: applying a layer of palladium on a portion of the at least one conductive electrode of one substrate of the plurality of substrates; and disposing a two-stage conductive polymer bump between a portion of the at least one conductive electrode having the layer of palladium thereon of the one substrate of the plurality of substrates and a portion of the at least one conductive electrode of another substrate of the plurality of substrates for forming an electrical contact therebetween.
 24. The method of claim 23, wherein disposing a two-stage conductive polymer bump comprises disposing a two-stage conductive polymer bump including palladium therein on a portion of the layer of palladium.
 25. The method of claim 23, further comprising: applying a passivation layer over a portion of a surface of the one substrate of the plurality of substrates having the at least one conductive electrode.
 26. The method of claim 25, further comprising: etching a portion of the passivation layer to expose a portion of the at least one conductive electrode.
 27. The method of claim 23, wherein disposing a two-stage conductive polymer bump comprises disposing a two-stage epoxy bump on a portion of the layer of palladium.
 28. The method of claim 23, wherein applying the layer of palladium on a portion of the at least one conductive electrode of the one substrate comprises: immersing the one substrate of the plurality of substrates in an electroless plating solution containing palladium dispersed therein.
 29. The method of claim 23, wherein disposing a two-stage conductive polymer bump comprises applying a layer of a polymer with a silk screen to form the two-stage conductive polymer bump.
 30. The method of claim 23, wherein disposing a two-stage conductive polymer bump comprises applying multiple layers of a polymer with a silk screen to form the two-stage conductive polymer bump.
 31. The method of claim 23, wherein the one substrate of the plurality of substrates comprises a silicon wafer.
 32. The method of claim 23, wherein the one substrate of the plurality of substrates comprises a printed circuit board.
 33. The method of claim 23, wherein the one substrate of the plurality of substrates comprises a semiconductor die having the at least one conductive electrode comprising at least one bond pad.
 34. A method for forming a semiconductor assembly having a plurality of substrates, each substrate having at least one conductive electrode having a pad, comprising: applying a layer of palladium on a portion of the pad of the at least one conductive electrode of one substrate of the plurality of substrates; and disposing a two-stage conductive polymer bump between a portion of the pad of the at least one conductive electrode having the layer of palladium thereon of the one substrate of the plurality of substrates and a portion of the pad of the at least one conductive electrode of another substrate of the plurality of substrates for forming an electrical contact therebetween.
 35. The method of claim 34, wherein disposing a two-stage conductive polymer bump comprises disposing a two-stage conductive polymer bump including palladium therein on a portion of the layer of palladium.
 36. The method of claim 34, further comprising: applying a passivation layer over a portion of a surface of the one substrate of the plurality of substrates having the pad of the at least one conductive electrode.
 37. The method of claim 36, further comprising: etching a portion of the passivation layer to expose a portion the pad of the at least one conductive electrode.
 38. The method of claim 34, wherein disposing a two-stage conductive polymer bump comprises disposing a two-stage epoxy bump on a portion of the layer of palladium.
 39. The method of claim 34, wherein applying the layer of palladium on a portion of the pad of the at least one conductive electrode of the one substrate comprises: immersing the one substrate of the plurality of substrates in an electroless plating solution containing palladium dispersed therein.
 40. The method of claim 34, wherein disposing a two-stage conductive polymer bump comprises applying a layer of a polymer with a silk screen to form the two-stage conductive polymer bump.
 41. The method of claim 34, wherein disposing a two-stage conductive polymer bump comprises applying multiple layers of a polymer with a silk screen to form the two-stage conductive polymer bump.
 42. The method of claim 34, wherein the one substrate of the plurality of substrates comprises a silicon wafer.
 43. The method of claim 34, wherein the one substrate of the plurality of substrates comprises a printed circuit board. 